Manipal Cigna LifeTime Health

Manipal Cigna LifeTime Health Insurance is a health plan that prioritizes your healthcare needs and looks after them. The plan offers comprehensive coverage up to Rs. 3 crores each, for coverages in India and abroad. To let you avail yourself the most from your health insurance plan, the plan offers 2 variants, and let them choose from LifeTime Health India Plan & LifeTime Global Plan.

The plan covers you at every stage of life for a lifetime. With a wide range of benefits and coverage, the plan is an ideal choice to cover yourself and your family members.

Read along to explore more about this plan:

Eligibility Criteria of Manipal Cigna LifeTime Health

**Last Updated on 06-05-2021

What Are The Key Features of Manipal Cigna LifeTime Health?

1. Hospitalization Expenses

   The plan looks after the hospitalization expenses of the insured in case of hospitalization more than 24 consecutive hours arising from a disease/ illness or injury.

2. AYUSH

   The plan covers the expenses incurred during the in-patient hospitalization for AYUSH, for an illness or injury that occurs during the policy year.

3. Adult Health Checkup

   One may avail a comprehensive health check-up at any of the company's network hospitals if the Insured Person is of age 18 years or above at the start of the policy year.

4. Robotic and CyberKnife Surgery

   The plan covers the expenses incurred towards Robotic or Cyberknife Surgery of the insured person subject to the illness/ injury being covered under 'Hospitalisation Expenses'.

5. Modern Advancement Treatments

   The listed modern and Advanced Treatments are covered by the plan, subject to illness/ injury being covered under Hospitalisation Expenses.

6. Restoration of Sum insured

   In case your coverage is exhausted due to the claims made, then in such cases, the plan will provide for a 100% restoration of the sum insured for any number of times in a policy year for an unrelated illness or injury.

7. Premium Waiver Benefit

   If the insured suffers from Permanent Partial Disablement, Permanent Total Disablement, death due to an injury caused by an accident, or he/she is diagnosed with a listed Critical Illness mentioned in the policy, then the plan will pay the next Renewal Premium of the Policy for next 1 year.

   Once the claim is accepted and paid, the cover will terminate automatically.

8. Coverage Outside India

   The plan offers coverage across the globe in case the insured suffers from any illness or injury. The plan offers:

   • Global Hospitalization for Major Illness
   • Global Pre - hospitalization
   • Global Post - hospitalization
   • Global Ambulance Cover
   • Medical Repatriation
   • Repatriation of Mortal Remains
   • Global Travel Vaccination
   • Global Robotic and CyberKnife Surgery
   • Global Modern and Advanced Treatments

9. Optional Packages

   The plan comes with three optional covers that are:

   • Health+
   • Women+
   • Global+

   Refer to the below table to understand what is covered under these optional covers:

   Health+	Women+	Global+
   Air Ambulance Cover Medical Devices and Non - Medical Items Domestic Second Opinion Bariatric Surgery Cover Convalescence Benefit Major Illness Hospi Cash Chemotherapy and Radiotherapy Cash Accidental Hospi Cash Domestic Concierge Services Tele - Consultations	Breast Cancer Screening Cervical Cancer Screening Cervical Cancer Vaccination Ovarian Cancer Screening Osteoporosis Screening Gynecological Consultation Psychiatric and Psychological Consultations	Global Hospi Cash Global Convalescence Benefit Global Out Patient Expenses Global Chemotherapy and Radiotherapy Cash Travel Expenses Benefit Global Second Opinion

   **Last Updated on 06-05-2021

10. Add-On Cover for Critical Illness

    One can avail an add-on cover that will cover the expenses if the insured is diagnosed with 11 listed Critical Illnesses Available on payment of additional premium.

Sample Premium Illustration of Manipal Cigna LifeTime Health:

To understand how the premium payable under both the variants is different, refer to the below graph, which shows how the premium for the Indian Plan and Global Plan is different under different sum insured options:

Premium Payable Under ManipalCigna LifeTime Health Indian Plan vs Global Plan

Also, as discussed above, the plan offers three optional covers that let the policyholder choose as per their needs and requirements. Let us find how the optional covers affect the premium amount for the sum insured of Rs. 50 Lakhs:

Sample Illustration of the Premium Payable With Different Optional Covers

Coverage Table of Manipal Cigna LifeTime Health

**Last Updated on 06-05-2021

What Is Not Covered Under Manipal Cigna LifeTime Health

• Investigation & Evaluation
• Rest Cure, rehabilitation, and respite care
• Obesity/ Weight Control
• Change-of-Gender treatments
• Cosmetic or Plastic Surgery
• Hazardous or Adventure sports